Networking Intermediaries and Competitive Enterprises in Tajikistan and Kyrgyzstan (NICE-TAK)

First National Conference on Finanсial Inclusion in the

Republic of Tajikistan

First National Conference on Finanсial Inclusion in the Republic of Tajikistan




Address in Dushanbe:

Ismoili Somoni Prospekt 26/1

15th AUGUST 2019

Event for increaseing access for financing


Local and foreign policy makers and opinion leaders


Financial institutions’ representatives, officials, experts, and the media

About Conference

The First National Conference on Financial Inclusion in the Republic of Tajikistan was organized by AMFOT and NABWT as part of the implementation of the Nice-Tak project "Networking Intermediaries and Competitive Enterprises in Tajikistan and Kyrgyzstan", which is implemented by an international consortium of non-governmental organizations CESVI (Italy), Bishkek Business Club (BDK), National Association of Small and Medium Business of Tajikistan (NAMSB), National Association of Business Women of Tajikistan (NABWT), Union of Craftsmen in Tajikistan (UCT). The consortium is headed by the non-governmental organization Sequa gGmbH (Germany).


The most relevant topics in the area of financial inclusion


Local and foreign policy makers and opinion leaders


First National Conference on Finanсial Inclusion in the Republic of Tajikistan

08:30 - 09:00
09:00 - 09:30
Lola Salimova |

Deputy Chairperson of the National Bank of the Republic of Tajikistan

Stefano Ellero |

European Union Charge d’Affaires a.i.

Pratibha Mehta |

Resident Representative of UNDP

Wulf-Hendrik Goretzky |

Project Director, GIZ «TRIGGER»

Nigina Anvari |

Deputy Chairperson of the State Committee on Investments and State Property Management

09:30 - 11:00
Sakshi Varma |

Senior Financial Sector Specialist IFC – “Financial Inclusion: Current Status and Development Prospects”

Lola Salimova |

Deputy Chairperson of the National Bank of the Republic of Tajikistan

Mohbonu Nakatova |

Director, Research Institute, National Bank of Tajikistan – «Issues of the need to develop a National strategy for financial inclusion in the Republic of Tajikistan»

Jomi Chiniev |

Economist, Office of the Permanent Representative of the IMF in Tajikistan

«Regional economic review on financial integration of SME in the Middle East and Central Asia»

Gulbahor Makhkamova |

International Expert, «Financial Inclusion and Development», Founder, Chairperson of NABWT

«The context of women’s financial inclusion: Challenges and opportunities»

Pavel Shust |

IFC Consultant, St. Petersburg, Russia – «Financial technologies and financial inclusion: trends and perspectives. Focus of Tajikistan»

Kinga Dabrowska |

Project Manager, MFC (Poland) – “Overview of mapping financial technology. The experience of Ukraine, Turkey and Poland.

11:00 - 11:30
11:30 - 13:00
Section 1. «Financial Inclusion and the key factors of its increase»
Ulugbek Bozorov |

Deputy  Head of the Consumer Protection and Financial Services, National Bank of Tajikistan – «Consumer protection and financial literacy – key tools for expanding access to finance»

Gulnora Beknazarova |

analyst, IK «Tahlil va Mashvarat»

Zebunniso Fattidinova |

Executive Director, AMFOT – «The main problems of financial inclusion in the mountainous regions of Tajikistan: The results of the survey and the results of the round tables held in the regions of the country»

Khurshed Jaborov |

Deputy Chairman, Mr. Konstantin Khamidov, Director of Financial Department, OJSC «Oriyonbank» – «Development and improvement of new products for corporate clients. Achievements and problems»

Azamat Baltabaev |

Leading bank consultant, EBRD Project «Regional Program for Small and Medium-Sized Businesses in Central Asia» – «The role of training and raising the level of skills of personnel of credit institutions in improving the availability of financial services»

Nuriddin Lafizov |

Head of corporate direction, JSC MDO «Alif-Sarmoya» – «Culture, people and technology– as factors for increasing financial inclusion»

Shahnoz Ikromi |

Director of Business Development, LLC MDO «Arvand» – “A course on trust: improving the quality of customer service and improving relationships with them”

Session 2 “Financial Inclusion: New tools and innovations for the development of Small and Medium-Sized businesses in Tajikistan”
Alisher Akbaraliev |

AMFI, Executive Director, Kyrgyzstan – «Responsible financing: Experience of  Kyrgyzstan»

Lutfullo Saidmurodov |

Academician of the Academy of Sciences of the RT, Director of the Institute of Economics of the Academy of Sciences of the RT – «The role of public-private partnerships in expanding access to financing»

Gulos Rakhmatshoev |

MCO “Madina va Hamkoron”, Deputy Director, GBAO – «Ways to solve the problems of the activities of  credit unions in GBAO»

Anna Martynes |

Regional Project Development Manager, ACTED Kyrgyzstan / Uzbekistan / Tajikistan – «Cooperation of financial institutions and SMEs in the framework of ACTED Projects»

Malik-Aidar Abakirov |

OJSC «Guarantee Fund», Chairman of the Board, Kyrgyzstan – «Loan guarantee funds- the key to joint success of business and lending institutions»

Session 3 «The role of financial technology in increasing financial inclusion»
Pavel Shust |

IFC Consultant – «Financial technologies: special financial products for micro and small businesses, IT solutions and innovative practices»

Shukhrat Salohiddinov |

Director of Payment Systems Department, National Bank of Tajikistan – “The regulatory environment and its role in the development of new banking technologies and increasing the volume of non-cash payments”

Gulshat Akimdzhanova |

KMF, Deputy Chairman of the Board, Kazakhstan – «The role of remote services in improving financial accessibility: Kazmicrofinance experience»

Dilshod Iskhakov |

Director of the Payment Cards Department, CJSC «Spitamenbank» – «Special financial products for SMEs based on the payment service «Spitamen-Pay»

Firdavs Mayunusov |

Director of Development, MDO «Humo» – «Innovations and their role in increasing financial availability»

Session 4 «Financial Inclusion: Gender Issues»
Sitora Babadzhanova |

Regional Principal Manager EBRD and Daniela Wendhous, Consultant EBRD – «EBRD project «Women in Business» in Tajikistan. Achievements and problems»

Furkat Ismatulloev |

Head of Marketing department of JSC «Bank Eskhata» – «The new credit products of the bank for women entrepreneurs»

Gulnora Makhmudova |

Chairman of the Association of Business Women of Uzbekistan «Tadbirkor Ayol” – «Financial inclusion and gender issues. Uzbekistan’s experience»

Blerta Sela |

Deputy Regional Director for Europe and Central Asia «UN –Women» – «Improving women’s access to financial resources is one of the ways to achieve the Sustainable Development Goals. Analysis of the situation and world practice»

Surayo Urakova |

Chairman of the Council of Women Entrepreneurs under the Committee on Women’s Affairs of the RT – «The role of state bodies in matters of women’s financial involvement»

Session 5 «Islamic banking in Tajikistan: review of the current situation and strategies for further development»
Kibriyo Urakova |

Head of Islamic Banking Department, National Bank of Tajikistan – «The state of the issue of introducing the principles of Islamic banking in Tajikistan»

Boymirzo Boymirzoev |

Micro-loan fund «Imon» – «From classic lending to Islamic banking»

Khurshed Mirakilov |

CJSC «Tavhidbank» – «Mechanisms of transformation and implementation of the principles of Islamic finance»”

13:00 - 14:00
14:00 - 15:00
Speech by the Moderators of the sectional discussions with proposals to the final resolution of the First National Conference on Financial Inclusion in the Republic of Tajikistan. Adoption of the final resolution and Conference summary
15:00 - 15:40
To the 20th anniversary of the activities of microfinance organizations in the Republic of Tajikistan and the 15th anniversary of AMFOT


Lola Salimova, Deputy Chairman of the National Bank of Tajikistan

Zebunniso Fattidinova Executive Director of AMFOT



2019 Conference videos









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Tajikistan, Dushanbe, Ismoili Somoni Prospekt 26/1